Joplin Homebuyer Assistance Program (J-HAP)

Joplin Homebuyer Assistance Program (J-HAP)是面向Joplin，Missouri购房者的可免除贷款，由City of Joplin (J-HAP Program Office)管理。 The City of Joplin Homebuyer Assistance Program (J-HAP) provides forgivable-loan assistance toward down payment and/or reasonable closing costs for the purchase of a new or existing home within the City of Joplin. The original program was funded by HUD CDBG Disaster Recovery funds to repopulate the 2011 tornado-affected area; it is administered for the City by a third-party program office (The Flanagan Group) and remains active per the program's official information site. Up to $30,000 (per City of Joplin program page; the program's administering site advertises up to $40,000) toward 100% of the lender-required down payment and/or 100% of reasonable closing costs, as a forgivable loan. 资金来自HUD CDBG Disaster Recovery (CDBG-DR); later rounds used ARPA funds。

Joplin Homebuyer Assistance Program (J-HAP)提供$1,000至$30,000的援助。 金额是该项目公布的上限，并非报价——具体每人的援助金额由City of Joplin (J-HAP Program Office)决定。

Joplin Homebuyer Assistance Program (J-HAP)在5年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：Sale/transfer or loss of primary-residence status during the affordability covenant period (recapture per deed restriction/2nd deed of trust)。 该援助以second顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

Joplin Homebuyer Assistance Program (J-HAP)面向将房屋作为主要住所自住的购房者。 Property must be a primary residence within the City of Joplin (original CDBG-DR version limited eligible properties to the tornado disaster zone). Household income must not exceed 120% of Joplin area median income. Assistance capped at 20% of purchase price plus actual closing costs. Affordability covenant: 5 years for under $15,000, longer for $15,000-$30,000. Must secure a first mortgage; applicant must sell any current home before closing. Caveat: prior reporting indicated the ARPA-funded JHAP2 round had reserved its funds; confirm current funding availability and current assistance cap with the program office before relying on it.

Joplin Homebuyer Assistance Program (J-HAP)将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Household annual income must not exceed 120% of the City of Joplin area median income (size-adjusted). 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

Joplin Homebuyer Assistance Program (J-HAP)的房价上限如下：No minimum or maximum sales price, but total assistance cannot exceed 20% of purchase price plus actual closing costs, up to $30,000。

Joplin Homebuyer Assistance Program (J-HAP)服务于在Joplin，Missouri购房的购房者。 该项目优先考虑指定的目标区域，因此除了县以外，具体地址也很重要。

Joplin Homebuyer Assistance Program (J-HAP)的申请通过City of Joplin (J-HAP Program Office)办理，该机构在其网站上公布现行条款和申请步骤。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。